| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 7.76% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $2K | $174 | $2K | 3.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.22% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $478 | $478 | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | PO BOX 953 GRANDVILLE, MI 94681 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 8.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $210 | $0 | $210 | 1.68% |
| LEANN P DAVIDSON3 Filed as: LEANN DAVIDSON | 204 WEST SKEELS ROAD MONTAGUE, MI 49437 | AFLAC | $252 | $0 | $252 | 2.78% |
| MJ INSURANCE3 Filed as: MIKE GAYNOR AND VARIOUS AGENTS | 8672 SHORE WAY DRIVE SW BYRON CENTER, MI 49315 | AFLAC | $209 | $7 | $216 | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS. AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49418 | AFLAC | $177 | $0 | $177 | 1.95% |
| SARAH E MEANY3 Filed as: SARAH MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $121 | $30 | $151 | 1.66% |
| WILLIAM DAVID BARHAM3 Filed as: WILLIAM BARHAM | 2039 RAMBLING OAK DRIVE MUSKEGON, MI 49445 | AFLAC | $103 | $0 | $103 | 1.14% |
| LIGHTHOUSE GROUP3 | 56 CESAR CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | AFLAC | $60 | $0 | $60 | 0.66% |
| LAURA DILLIVAN3 | 1545 COLE AVENUE NE GRAND RAPIDS, MI 49505 | AFLAC | $54 | $0 | $54 | 0.60% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 206 | $77K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 197 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $40K |
| Short-term disability | AFLAC | 116 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $40K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.